Retirement Insights Blog


Gary-WWe started our blog, Retirement Insights, because we feel passionately that you should never invest in a financial product without understanding exactly what you’re getting. Here, you’ll find insightful and easy-to-understand articles about retirement planning, and investment tips and financial advice for retirees. We work hard to make sure that our blog can be your resource for finding solutions to real-life problems you might encounter during retirement.

Written by our Retirement Insights Specialist, Gary W., the below articles are here for you to explore. We update our blog with multiple new posts per week, so there’s always something new to learn.

Why Selling Fixed Annuities for a Cash Lump Sum May Not be a Good Choice

Jul 1, 2016

You may have seen the commercials on TV about selling your annuity for cash. This is a business format that’s about as old as annuities themselves. These companies will offer to buy a stream of future payments that your annuity provides from you in exchange for a lump sum of cash. One problem is that these transactions are usually designed to make money for the company buying your annuity, rather than ensuring you get the best value for that annuity. Selling your annuity might seem like a good idea in a pinch, but in the end, it could cost a lot more than you anticipated.

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Social Security benefits

Using Immediate Annuities to Guarantee Retirement Income While Delaying Social Security Benefits

Jun 23, 2016

While you might be eligible to take benefits at age 62, some experts would recommend you don’t. That’s because the earlier you take them, the less you usually get.

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fixed, deferred annuity

Purchasing a Fixed, Deferred Annuity in an IRA Can Help You Manage RMDs in Retirement

Jun 17, 2016

Some financial planners will advise you never to do this because it’s redundant, but there are times when it might be beneficial, especially when it comes to managing your required minimum distributions later on. Before you write off purchasing an annuity in an IRA, you should consider how it could impact you for the life of your IRA.

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2016 Fiduciary Rule

How the 2016 Fiduciary Rule Could Affect How You Pay for Retirement Advice

May 3, 2016

This year, the Department of Labor passed new regulations that, in essence, say insurance agents and advisors may be held to a fiduciary standard if they provide advice regarding retirement accounts such as IRAs.

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2016 Federal Reserve Bond Interest Rates

What the 2016 Federal Reserve Bond Interest Rates May Mean for Fixed Annuities in the Long Term

May 23, 2016

Insurance companies are able to set a pre-determined interest rate and even go as far as to guarantee it. One way insurance companies make these guarantees is through the bond market and the interest rates that the Federal Reserve sets on their government bond offerings.

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Addressing the Bipartisan Budget Act of 2015 Pension Changes With Supplemental Retirement Annuities

May 10, 2016

We’ve received an increasing number of calls from clients over the past year worried about funding their retirement after their employer either significantly scaled back the corporate pension plan or eliminated it altogether. For a long time, corporate pension programs were a major source of retirement funding for employees all over the United States. These pension programs would allow the company to finance their employees’ retirement through regular payments, much like in an individually owned annuity.

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Women and Retirement

Feb 27, 2017

  When it comes to retirement planning, American women often face a unique set of problems. And those problems can threaten to leave many women short on savings, and, thus, in danger of running out of money in retirement. Those problems are meticulously outlined in a new report, “Sixteen Facts About Women’s Retirement Outlook,” from…

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Don’t let your grown kids ruin your retirement

Feb 10, 2017

A third of Baby Boomers – or eight million households — still support their children, according to Hearts & Wallets, a financial research company. The survey, Dissecting the Baby Boomers, also says Boomers who support adult children are 25 percent more likely to have heightened financial anxiety than their peers and they are the most…

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Biggest Mistakes Couples Make

Jan 11, 2017

A successful marriage is all about communication. So, it make sense that the same can be said about a successful retirement. Retirement planning is tough enough, but when it comes to couples some of the biggest mistakes can be related to the lack of communications, according to the financial planners surveyed for the 2015 Fidelity…

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Five Things Retirees May Forget to Plan For

Nov 1, 2016

Rodney Brooks Retirement is tough enough, but it can be really tough for the people who did little or no planning. It’s tough enough even for those who do plan for retirement. After all, there is much to consider. Which means that there could be a possibility for some people to either forgot something or…

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There’s more to retirement than saving your money

May 25, 2017

It’s complicated, this retirement thing. It sneaks up on you, and many of us aren’t quite ready. We haven’t saved enough, didn’t plan enough or we just haven’t figured out what we will do with all that time suddenly thrust upon us. Saving for retirement is difficult enough. Many surveys show that Americans have saved…

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Downsizing Your Budget in Retirement

Apr 24, 2017

Many people nearing retirement already know they may need to downsize from those big family homes. Why pay for all the maintenance and upkeep when the kids are gone? But they need to also think about downsizing their finances. Reducing that pre-retirement budget can be critical to a successful retirement. Some people start reducing their…

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Update your retirement plan regularly — or it could become useless

Apr 13, 2017

Remember the days before GPS when we had to follow a road map? (They were free and you could pick them up in any gas station back then). So, what if you were following that map and the highway just ended in the last place you visited — with no signs to tell you how…

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Why don’t some small business owners save for retirement?

Apr 13, 2017

The people who own and run small businesses are busy – extremely. They have a lot to worry about  — payroll, rent and trying to bring in new contracts. And, on top of that, it seems they are constantly recruiting and hiring. What they might not make time for is preparing for retirement. And that’s…

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